The recent explosions of these new individual electric vehicles (NVEI) in urban areas are not without danger. This involved defining a new legal framework but also rethinking the offer in terms of insurance for the 1.5 million French people using them.
Do we have to insure these new vehicles? How to protect yourself? What does NVEI insurance cover ?
Why are NIEVs not covered by traditional insurance?
The NIEV category
Scooters, hoverboards, gyroroues and other new electric cars are part of the category of "NVEI": New Individual Electric Vehicles.
The regulations are vague on this new category of NVEI: they do not fit into the category of pedestrians, bicycles or scooters.
The regulations are still vague, the police remain tolerant about them.
What conventional insurance covers
Your home insurance provides you with what is called "civil liability". This warranty covers you if you cause damage to a third party. Example: you fall in the street on a shop window and break it, you hit a person on a bicycle, etc.
The civil liability of your home insurance therefore covers you on a bicycle or scooter (without motor). On the other hand, except for extended guarantees, it does not cover you on board motorized vehicles, therefore on board NVEI.
NVEIs (limited to 25km/h) are also not covered by car insurance because they are not really considered mopeds.
Is it compulsory to insure your electric scooter, hoverboard or other electric vehicle?
Yes, it is mandatory to insure your NVEI, at least for civil liability, according to the French Insurance Federation.
Insuring does not mean gray card and license plate, but it is enough to declare it to an insurance organization in order to drive with peace of mind.
They are subject to the same liability insurance obligation as motorized vehicles such as cars or motorcycles. You must therefore be covered for any damage you may cause while traveling.
Driving a motorized vehicle without insurance (therefore motorcycle, car but also NVEI) constitutes a violation of the regulations. But here again, there is currently still a certain tolerance, especially for vehicles limited to 25km/h.
NVEI liability insurance rates
Don't worry about everyday hassles, Weebot has the solution for you at a low price.
At Weebot, it is possible to insure your electric scooter or electric bicycle from €3.50 per month.
Insure your electric scooter or EDPM gear and benefit from 30 days of protection offered against accidental breakage and theft.
But still, in the event of a breakdown, breakage, theft, or even a simple puncture, taxi and/or towing costs are reimbursed to you!
Weeclub Premium offers you several formulas adapted to your machine, you just have to choose the one that suits you!
Condition to ensure his LVEI
In order to be eligible for insurance, these new electric vehicles must be CE approved.
What are the guarantees of NVEI insurance?
Civil liability guarantee
NVEI insurance must cover your civil liability on board the machine. That is to say that it covers you for all the damage that you are likely to cause to others or to equipment.
Criminal Defense and Recourse Guarantee
This guarantee allows you to ensure your defense when you are the subject of legal proceedings or claims by a third party involving your civil liability.
Personal Accident Coverage
You are covered when you are injured in a traffic accident with your electric car.
You are covered in the event of theft or attempted theft committed following an assault by a third party. Damage to your electric racing car following its disappearance or deterioration is covered.
Your electric car is covered in the event of a collision with a third party.
A pack including optional guarantees will be available soon.
Is it compulsory to wear a helmet?
For now, it is not mandatory to wear a helmet to drive these new vehicles. Their situation remaining unclear with respect to the highway code, there are still no rules imposing helmets or gloves as for scooters.
It is also not an obligation to be able to operate its civil liability. However, it will be mandatory under the Personal Accident cover.
However, we strongly recommend that you wear one. Indeed, there is no living space on NVEIs, so you are very exposed to traffic and its dangers.
So here are our answers to the top questions about NVEI insurance.
Do not hesitate if you have other questions, we will try to answer them as best we can!